If you apply through our link, we may earn a commission from the issuer at no extra cost to you. It never affects our ratings — how we make money.
HDFC Bank
HDFC Bank Marriott Bonvoy Credit Card
4.0Best for travel
PremiumLounge access
- Joining fee
- ₹3,000
- Annual fee
- ₹3,000
- Welcome bonus
- ₹9,000
- Forex markup
- 3.5%
- Interest p.a.
- 45%
- Min income
- ₹1,00,000/mo
How this card earns
Reward rates by category, with caps and an estimated yearly value.
| Spend category | Reward rate | Monthly cap | Est. value/yr |
|---|---|---|---|
Travel 8 Marriott Bonvoy Points per Rs.150 spent at hotels participating in Marriott Bonvoy. Value-back assumes Rs.0.60 per point (8 pts x 0.60 / 150 = 3.2%). | 3.2% | — | ₹3,840 |
Dining 4 Marriott Bonvoy Points per Rs.150 on travel, dining and entertainment (accelerated). Value-back assumes Rs.0.60 per point (4 pts x 0.60 / 150 = 1.6%). | 1.6% | — | ₹1,920 |
Entertainment 4 Marriott Bonvoy Points per Rs.150 on travel, dining and entertainment (accelerated). Value-back assumes Rs.0.60 per point. | 1.6% | — | ₹1,920 |
| All other spends | 0.8% | — | ₹960 |
Estimated yearly value assumes ₹10,000/month spend in each category, capped where the card caps rewards.
Fees & charges
Joining fee₹3,000
Annual fee₹3,000
Foreign currency markup3.5%
Finance charge (p.a.)45%
Spend milestones
| Annual spend | Benefit | Value |
|---|---|---|
| ₹6,00,000 | 1 Free Night Award (redeemable for a hotel stay worth up to 15,000 Marriott Bonvoy Points) on eligible annual spends of Rs.6 lakh in the card anniversary year. | ₹9,000 |
| ₹9,00,000 | 1 additional Free Night Award (up to 15,000 Marriott Bonvoy Points) on eligible annual spends of Rs.9 lakh in the card anniversary year. | ₹9,000 |
| ₹15,00,000 | 1 additional Free Night Award (up to 15,000 Marriott Bonvoy Points) on eligible annual spends of Rs.15 lakh in the card anniversary year. | ₹9,000 |
Key benefits
- Airport lounge access — 3/quarter domestic, 12/year international
- 12 complimentary domestic airport lounge visits per year and 12 complimentary international lounge visits per year, accessed directly by swiping the Diners Club card (no separate Priority Pass needed).
- Complimentary Marriott Bonvoy Silver Elite status for the card membership year.
- 10 Elite Night Credits annually, counting toward higher Marriott Bonvoy elite tiers.
- Earns Marriott Bonvoy Points (not HDFC Reward Points): 8 pts/Rs.150 at Marriott hotels, 4 pts/Rs.150 on travel/dining/entertainment, 2 pts/Rs.150 on other spends.
- Complimentary golf access (2 games or lessons per quarter at participating courses).
- No reward points earned on fuel, rent, wallet loads, government payments and EMI transactions.
What we like
- +Strong value for Marriott loyalists: complimentary Silver Elite status, 10 Elite Night Credits and a Free Night Award every year.
- +High accelerated earn of 8 Marriott Bonvoy Points per Rs.150 at Marriott hotels (~3.2% value-back).
- +Generous lounge access of 12 domestic and 12 international visits per year with no quarterly cap.
- +Diners Club platform allows direct lounge entry without carrying a separate Priority Pass.
- +Up to 3 additional Free Night Awards via milestone spends (Rs.6L / Rs.9L / Rs.15L).
What to watch
- −No fee waiver: Rs.3,000 + GST joining and annual fee with no spend-based waiver.
- −Base earn of 2 points per Rs.150 (~0.8%) is low on non-bonus spends.
- −No reward points on fuel, rent, wallet loads, government payments or EMIs.
- −Diners Club acceptance is narrower than Visa/Mastercard at some Indian merchants.
Compare with similar cards
- Top reward
- 33%
- Annual fee
- ₹12,500
- Welcome bonus
- ₹12,500 value
HDFC BankHDFC Bank Diners Club Black Credit Card
- Top reward
- 33.33%
- Annual fee
- ₹10,000
